The Sr. Loan Underwriter for Thrivent Bank will be responsible for reviewing, analyzing, and making credit decisions on mortgage, home equity, consumer, and small commercial loan requests. Make high level lending decisions in the best interest via the client while managing the risk to the Bank. Make recommendation to the credit supervisor and other appropriate Bank personnel in order to enhance the success of the department, the client and the Bank. Maintain safety and security of our clients, our employees, and Thrivent Bank assets by adhering to regulations and internal policies and procedures.

         

          

Job Duties and Responsibilities

Analyze and make credit decisions on loans in accordance with all Thrivent Bank policies and procedures.Recommend underwriting process improvements and criteria to be implemented within automated underwriting decision engine.Active in underwriting activities required to set the direction of the department.Recommend updates and changes to underwriting policies and procedures as needed and participate in the approval of underwriting decisions that represent an exception to the approval Loan Policy and Procedures.Excellent knowledge of industry trends in the changing market place.Proficiency in interpreting and analyzing complex income tax returns and financial statements.Review appraisals and other collateral valuations.Analyze and approve employee loan requests.Consistently meets appropriate service level timelines as designed for department.Maintain acceptable percentage level of charge-off loans.Exercise sound judgement and decision-making skills using the appropriate underwriting guidelines.Use various loan origination systems as needed.

Required Job Qualifications

This position will be based in Utah.Bachelor’s degree or equivalent work experience required.Minimum of 5 years of experience in lending, preferably in a retail banking environment.Minimum of 5 years of experience in consumer loan underwriting highly preferred.Demonstrate a high level of interpersonal skills by relating well to others, displaying tact and diplomacy, showing respect towards others’ opinions and reflecting a team player approach.

Other Critical Factors:

Excellent communication skills in writing and in person.Strong client-focused skills.Must be well organized, efficient, and able to coordinate multiple tasks.Possess strong leadership, decision-making, and problem-solving issues.Knowledge of applicable federal and state lending regulationsFNMA, Freddie, FHLB underwriting guidelines.

              

Pay Transparency

 

Thrivent’s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $69,053.00 - $93,425.00 per year, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important.

 

Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits.

 

The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent’s plans/policies are subject to change at any time at Thrivent’s discretion.

 

Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.

Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to human.resources@thrivent.com or call 800-847-4836 and request Human Resources.